BlastPoint's Credit Union Scorecard
SHAREPOINT
Charter #63098 · MN
SHAREPOINT has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + AMR Growth Rate: Top 1.1% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Efficiency ratio 4.11% above tier (higher cost structure)
- - Member decline: -20.4% YoY
- - Member Growth Rate: Bottom 0.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,680
-20.4% YoY-3.0% QoQ
|
+5.5K |
15,145
-2.5% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
79% |
| Assets |
$368.2M
-2.1% YoY+1.5% QoQ
|
+$136.5M |
$231.7M
+0.8% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
85% |
| Loans |
$234.9M
-1.0% YoY-0.3% QoQ
|
+$90.8M |
$144.1M
+0.2% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
84% |
| Deposits |
$325.6M
-3.6% YoY+1.7% QoQ
|
+$124.5M |
$201.1M
+0.4% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
Top 14.0% in tier |
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| ROA |
0.7%
+136.6% YoY+35.5% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
51% |
| NIM |
3.5%
+8.3% YoY+0.6% QoQ
|
-0.2% |
3.6%
+4.6% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
40% |
| Efficiency Ratio |
82.1%
-9.1% YoY-4.3% QoQ
|
+4.1% |
78.0%
-1.7% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
62% |
| Delinquency Rate |
0.7%
+17.1% YoY-14.5% QoQ
|
+0.0 |
0.8%
+7.1% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
60% |
| Loan To Share |
72.2%
+2.7% YoY-2.0% QoQ
|
+1.7% |
70.4%
-0.4% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
51% |
| AMR |
$27,105
+22.5% YoY+3.9% QoQ
|
+$2K |
$24,918
+2.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
71% |
| CD Concentration |
26.5%
-1.9% YoY-5.3% QoQ
|
+2.2% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % |
7.6%
+43.0% YoY+6.7% QoQ
|
-6.2% | 13.8% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)